going to happen? the kids could sue her, but if she blew the money, the money is gone. happens a lot, brian. >> there is no good answer. actually you got to size up the one kid who has been the most responsible. not necessarily your favorite kid, but the one that's been more responsible with their money. that might be a good way to categorize or decide who should be on the money account of convenience. >> it is. sometimes, brian, they marry -- i always tell me them, you love your kid, but you may hate your son-in-law and daughter-in-law. sometimes they get married. there is influence there and as a result, the people use the money. i must tell you, this problem, one thing before we go, brian, when people open up a joint account, even in this situation, they think it's a 50/50 deal. it is not. it is 100-100 deal. if you got 10,000 in an account, you have the right to take that 10,000 out. it's not 5,000. it's 10,000. so understand when you set up these accounts, get some good counsel so you really understand the consequence of it.